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Our Approach

We believe in a comprehensive approach to integrated financial planning for all clients. These are our Financial Planning Principles.

Financial Health

  • Budgeting and Debt Management – paying yourself first
  • Maintaining adequate emergency reserves
  • Target Saving 20-25% of gross income across varying time horizons and strategies

Risk Management

  • Life Insurance and Disability Income Planning – protect your future earnings and economic value
  • Health, Home, Auto, Umbrella Insurance – review coverage to protect personal assets and net worth
  • Estate Planning (Wills, Beneficiary Designations, and Trusts) -protecting and transferring wealth

Wealth Management

  • Financial Goal Funding – making every dollar work
  • Creating an Investment Policy Statement
    • Asset Allocation designed to drive long-term performance
    • Diversification across various asset classes can help reduce portfolio risk*
    • Rebalancing Strategy to systematically buy low & sell high
    • Tax Management – tax loss harvesting, asset location, conversion strategy

Retirement Income & Distribution

  • Optimize your assets to create predictable & tax-efficient income
  • Long Term Care Planning – help protect balance sheet from healthcare/long-term care costs
  • Longevity Risk – guaranteed income streams can help avoid outliving your assets
  • Legacy planning – multi-generational wealth transfer planning

*Review and update your financial plan annually. Build a partnership with a team of experts across specialties (tax, estate planning, insurance, etc.)